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Category: TRAI

  • TRAI expects stakeholders to work towards infrastructure sharing

    TRAI expects stakeholders to work towards infrastructure sharing

    NEW DELHI: India is witnessing a huge growth in the television sector and is on the threshold of complete digitization. The Telecom Regulatory Authority of India has asked stakeholders as to whether they feel the need for infrastructure sharing – irrespective of whether it is cable TV and HITS operators, DTH operators, or CAS and SMS. 

    Stakeholders have been asked to send in their comment by 21 October, 2016, with counter-comments on 4 November 2016. At the outset, TRAI says the country now has 864 private television channels apart from six private DTH players and two HITS players and a large number of MSOs and LCOs and infrastructure sharing may help the industry to grow. 

    “There appears to be a distinct possibility for sharing of distribution infrastructure among multiple DPOs for its optimal utilization. It may result in reduction in capital expenditure and operating expenditure for distributors,” says the regulator.

    Infrastructure includes satellite transponder, earth station, Head-end, Hybrid Fibre Coaxial (HFC) network, conditional access system (CAS) and subscriber management system (SMS) used for delivery of the TV broadcasting services to the subscribers.

    Each multi-channel distribution platform retransmits large number of satellite TV channels. Of these large number of satellite TV channels retransmitted by each operator, many are common across the distribution platforms in a relevant market. Therefore, retransmission of such common channels independently on each distribution platform ends up duplicating the infrastructure.

    In the light of this, TRAI has asked the stakeholders to consider certain points:

    Infrastructure sharing among Cable TV and HITS operators

    (1) Is there a need to enable infrastructure sharing among MSOs and HITS operators, or among MSOs? It is important to note that no mandate for such infrastructure sharing is being proposed.

    (2) Which model is preferred for sharing of infrastructure among MSOs and HITS operators, or among MSOs?

    Infrastructure sharing among DTH operators

    (3) Is there a need to enable infrastructure sharing among DTH operators?

    Relevant issues in sharing of infrastructure

    (4) What specific amendments are required in the cable TV Act and the Rules made there under to enable sharing of infrastructure among MSOs themselves?  

    (5) What specific amendments are required in the MSO registration conditions and HITS licensing guidelines in order to enable sharing of infrastructure among MSOs and HITS operators? 

    (6) What specific amendments are required in the guidelines for obtaining license for providing DTH broadcasting service to enable sharing of infrastructure among DTH operators? 

     (7) Do you envisage any requirement for amendment in the policy framework for satellite communication in India to enable sharing of infrastructure among MSOs and HITS operators, and among DTH operators? If yes, then what specific amendments would be required? 

    (8) Do you envisage any requirement for amendments in the NOCC guidelines and WPC license conditions relating to satellite communications to enable sharing of infrastructure among MSOs and HITS operators, and among DTH operators? If yes, then what specific amendments would be required?

    (9) Do you envisage any requirement for amendments in any other policy guidelines to enable sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators?

     (10) What mechanisms could be put in place for disconnection of signals of TV channels of defaulting operator without affecting the operations of the other associated operators with that network after implementation of sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators?

    (11) Is there any requirement for tripartite agreement to enable sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators? Kindly elucidate with justification.

    (12) What techniques could be put in place for identification of pirates after implementation of sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators?

    (13) Is there any need for further strengthening of anti-piracy measures already in place to enable sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators?

    (14) Is there a requirement to ensure geographically targeted advertisements in the distribution networks? If yes, then what could be the possible methods for enabling geographically targeted advertisements in shared infrastructure set up?

    (15) Whether it is possible for the network operator to run the scrolls and logo on the specific STBs population on request of either the broadcaster or the service delivery operator after implementation of sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators?

    (16) Whether implementation of infrastructure sharing affects the differentiation and personalization of the TV broadcasting services and EPG? If yes, then how those constraints can be addressed?

    (17) Whether, in your opinion, satellite capacity is a limiting factor for sharing of infrastructure? If yes, then what could be the solutions to address the issue?

    Sharing of CAS and SMS

    (18) Is there a need to permit sharing of SMS and CAS? 

     (19) If yes, then what additional measures need to taken to ensure that SMS data remain accessible to the tax assessment authorities and Authorized officers as defined in the Cable TV Act for the purpose of monitoring the compliance with relevant the Rules and the Regulations?

    (20) Whether sharing of CAS can in any way compromise the requirement of encryption as envisaged in the Cable TV Act and The rules and the regulations. 

  • TRAI expects stakeholders to work towards infrastructure sharing

    TRAI expects stakeholders to work towards infrastructure sharing

    NEW DELHI: India is witnessing a huge growth in the television sector and is on the threshold of complete digitization. The Telecom Regulatory Authority of India has asked stakeholders as to whether they feel the need for infrastructure sharing – irrespective of whether it is cable TV and HITS operators, DTH operators, or CAS and SMS. 

    Stakeholders have been asked to send in their comment by 21 October, 2016, with counter-comments on 4 November 2016. At the outset, TRAI says the country now has 864 private television channels apart from six private DTH players and two HITS players and a large number of MSOs and LCOs and infrastructure sharing may help the industry to grow. 

    “There appears to be a distinct possibility for sharing of distribution infrastructure among multiple DPOs for its optimal utilization. It may result in reduction in capital expenditure and operating expenditure for distributors,” says the regulator.

    Infrastructure includes satellite transponder, earth station, Head-end, Hybrid Fibre Coaxial (HFC) network, conditional access system (CAS) and subscriber management system (SMS) used for delivery of the TV broadcasting services to the subscribers.

    Each multi-channel distribution platform retransmits large number of satellite TV channels. Of these large number of satellite TV channels retransmitted by each operator, many are common across the distribution platforms in a relevant market. Therefore, retransmission of such common channels independently on each distribution platform ends up duplicating the infrastructure.

    In the light of this, TRAI has asked the stakeholders to consider certain points:

    Infrastructure sharing among Cable TV and HITS operators

    (1) Is there a need to enable infrastructure sharing among MSOs and HITS operators, or among MSOs? It is important to note that no mandate for such infrastructure sharing is being proposed.

    (2) Which model is preferred for sharing of infrastructure among MSOs and HITS operators, or among MSOs?

    Infrastructure sharing among DTH operators

    (3) Is there a need to enable infrastructure sharing among DTH operators?

    Relevant issues in sharing of infrastructure

    (4) What specific amendments are required in the cable TV Act and the Rules made there under to enable sharing of infrastructure among MSOs themselves?  

    (5) What specific amendments are required in the MSO registration conditions and HITS licensing guidelines in order to enable sharing of infrastructure among MSOs and HITS operators? 

    (6) What specific amendments are required in the guidelines for obtaining license for providing DTH broadcasting service to enable sharing of infrastructure among DTH operators? 

     (7) Do you envisage any requirement for amendment in the policy framework for satellite communication in India to enable sharing of infrastructure among MSOs and HITS operators, and among DTH operators? If yes, then what specific amendments would be required? 

    (8) Do you envisage any requirement for amendments in the NOCC guidelines and WPC license conditions relating to satellite communications to enable sharing of infrastructure among MSOs and HITS operators, and among DTH operators? If yes, then what specific amendments would be required?

    (9) Do you envisage any requirement for amendments in any other policy guidelines to enable sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators?

     (10) What mechanisms could be put in place for disconnection of signals of TV channels of defaulting operator without affecting the operations of the other associated operators with that network after implementation of sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators?

    (11) Is there any requirement for tripartite agreement to enable sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators? Kindly elucidate with justification.

    (12) What techniques could be put in place for identification of pirates after implementation of sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators?

    (13) Is there any need for further strengthening of anti-piracy measures already in place to enable sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators?

    (14) Is there a requirement to ensure geographically targeted advertisements in the distribution networks? If yes, then what could be the possible methods for enabling geographically targeted advertisements in shared infrastructure set up?

    (15) Whether it is possible for the network operator to run the scrolls and logo on the specific STBs population on request of either the broadcaster or the service delivery operator after implementation of sharing of infrastructure among MSOs and HITS operators, among MSOs, and among DTH operators?

    (16) Whether implementation of infrastructure sharing affects the differentiation and personalization of the TV broadcasting services and EPG? If yes, then how those constraints can be addressed?

    (17) Whether, in your opinion, satellite capacity is a limiting factor for sharing of infrastructure? If yes, then what could be the solutions to address the issue?

    Sharing of CAS and SMS

    (18) Is there a need to permit sharing of SMS and CAS? 

     (19) If yes, then what additional measures need to taken to ensure that SMS data remain accessible to the tax assessment authorities and Authorized officers as defined in the Cable TV Act for the purpose of monitoring the compliance with relevant the Rules and the Regulations?

    (20) Whether sharing of CAS can in any way compromise the requirement of encryption as envisaged in the Cable TV Act and The rules and the regulations. 

  • TRAI extends dates for views on AGR issues relating to Spectrum

    TRAI extends dates for views on AGR issues relating to Spectrum

    NEW DELHI: The Telecom Regulatory Authority of India has extended the dates for getting views on minimum presumptive AGR for Spectrum and VSAT licenses.

    A release today said comments can be sent on 13 October with countercomments if any by 27 October 2016.Following a query by the Department of Telecom on25 June 2016, TRAI had asked stakeholdersif spectrum assignment on location basis/link-by-link basis on administrativebasis to ISPs, be continued in the specified bands.

    In the consultation paper issued following the DoT letter,the regulator has discussed issues relating to minimum presumptive AGR for ISPlicenses and VSAT licenses and other issues raised by DoT in its reference of25 June 2014, and 15 May 2015. The information/clarifications were furnished toDoT in the letter of 2 March 2016.

    The DoT had soughtTRAI’s recommendations in terms of clause 11(1) of TRAI Act 1997 (as amended)on:

    (A) ISP license (i) Rates for SUC; (ii) Percentage of AGR including minimum AGR; (iii) Allied issues like schedule of payment, charging ofinterest, penalty and Financial Bank Guarantee (FBG).

    (B) Commercial VSAT license (i) Floor level (minimum) AGR, based on the amount ofspectrum held by commercial VSAT operators. The Authority said in 2014 it had suo motu undertaken theexercise of review of definition of revenue base (AGR) for the reckoning oflicence fee (LF) and  spectrum usage charges (SUC).

    The Consultation Paper wasissued on 31st July 2014 and Recommendations on 6 January 2015. The Recommendationsalong with other issues also contain recommendations on minimum presumptiveAGR. In the Recommendations of 6 January 2015, the Authority hadrecommended that minimum presumptive AGR for the purpose of LF and SUC should notbe made applicable for any licenses granted by the Government for providingtelecom services.

    Paper available on trai.gov.in

    Also read

    http://www.indiantelevision.com/regulators/trai/trai-issues-consultation-paper-on-agr-issues-relating-to-spectrum-160819

     

  • TRAI extends dates for views on AGR issues relating to Spectrum

    TRAI extends dates for views on AGR issues relating to Spectrum

    NEW DELHI: The Telecom Regulatory Authority of India has extended the dates for getting views on minimum presumptive AGR for Spectrum and VSAT licenses.

    A release today said comments can be sent on 13 October with countercomments if any by 27 October 2016.Following a query by the Department of Telecom on25 June 2016, TRAI had asked stakeholdersif spectrum assignment on location basis/link-by-link basis on administrativebasis to ISPs, be continued in the specified bands.

    In the consultation paper issued following the DoT letter,the regulator has discussed issues relating to minimum presumptive AGR for ISPlicenses and VSAT licenses and other issues raised by DoT in its reference of25 June 2014, and 15 May 2015. The information/clarifications were furnished toDoT in the letter of 2 March 2016.

    The DoT had soughtTRAI’s recommendations in terms of clause 11(1) of TRAI Act 1997 (as amended)on:

    (A) ISP license (i) Rates for SUC; (ii) Percentage of AGR including minimum AGR; (iii) Allied issues like schedule of payment, charging ofinterest, penalty and Financial Bank Guarantee (FBG).

    (B) Commercial VSAT license (i) Floor level (minimum) AGR, based on the amount ofspectrum held by commercial VSAT operators. The Authority said in 2014 it had suo motu undertaken theexercise of review of definition of revenue base (AGR) for the reckoning oflicence fee (LF) and  spectrum usage charges (SUC).

    The Consultation Paper wasissued on 31st July 2014 and Recommendations on 6 January 2015. The Recommendationsalong with other issues also contain recommendations on minimum presumptiveAGR. In the Recommendations of 6 January 2015, the Authority hadrecommended that minimum presumptive AGR for the purpose of LF and SUC should notbe made applicable for any licenses granted by the Government for providingtelecom services.

    Paper available on trai.gov.in

    Also read

    http://www.indiantelevision.com/regulators/trai/trai-issues-consultation-paper-on-agr-issues-relating-to-spectrum-160819

     

  • Trai effect: Vodafone falls in line with Jio

    Trai effect: Vodafone falls in line with Jio

    Vodafone telecom service provider is committed to continue playing its responsible role in further developing the Indian telecom sector and in creating value for the consumer.

    Vodafone India has always provided Points of Interconnect (PoI) to other operators for all their fair, reasonable and legitimate requirements and will continue to do so.

    Following guidance from Trai and clarifications from Jio regarding its commercial launch, Vodafone India has decided to increase the Points of Interconnect (POIs) between the two operators by three times.
    Accordingly, it will increase the capacity to connect.

    Vodafone is hopeful that all issues that it has raised with Trai and Jio will be duly considered and resolved at the earliest.

    To create a truly connected, inclusive and Digital India, it is vital to have a level playing field between providers offering the same service, encourage innovations and judiciously use a portfolio of technologies – 2G, 3G & 4G to service the evolving needs of consumers across the country.

    Vodafone is one of India’s leading telecom service providers, a co-creator of the telecom ecosystem, and a catalyst of the telecom revolution in India.

  • Trai effect: Vodafone falls in line with Jio

    Trai effect: Vodafone falls in line with Jio

    Vodafone telecom service provider is committed to continue playing its responsible role in further developing the Indian telecom sector and in creating value for the consumer.

    Vodafone India has always provided Points of Interconnect (PoI) to other operators for all their fair, reasonable and legitimate requirements and will continue to do so.

    Following guidance from Trai and clarifications from Jio regarding its commercial launch, Vodafone India has decided to increase the Points of Interconnect (POIs) between the two operators by three times.
    Accordingly, it will increase the capacity to connect.

    Vodafone is hopeful that all issues that it has raised with Trai and Jio will be duly considered and resolved at the earliest.

    To create a truly connected, inclusive and Digital India, it is vital to have a level playing field between providers offering the same service, encourage innovations and judiciously use a portfolio of technologies – 2G, 3G & 4G to service the evolving needs of consumers across the country.

    Vodafone is one of India’s leading telecom service providers, a co-creator of the telecom ecosystem, and a catalyst of the telecom revolution in India.

  • Trai proposes radio audience measurement on lines of Barc

    Trai proposes radio audience measurement on lines of Barc

    NEW DELHI: The Telecom Regulatory Authority of India (Trai) has come out with a set of recommendations on radio audience measurement (Ram) in India setting limits on ownership of stakeholders in the ratings agency, but there is no limit on the number of such agencies.

    In a preface, the regulator said there is a need to prescribe “a soft touch, conducive, forward looking, growth oriented framework” for Ram, which protects the interests of all stakeholders.

    The guidelines for rating agencies will be notified by the Ministry of Information and Broadcasting (MIB) based on the recommendations of Trai and there will be no ceiling on the number of rating agencies.

    Trai has a recommendatory role on such issues as final decisions rest with nodal ministries like MIB, Department of Telecoms (DoT) and Department of Space (DoS). In the past, many recommendations of the regulator had not been implemented at all or done so partially by the Ministry concerned.

    The Ram proposed guidelines mandatorily cover registration, eligibility norms, cross-holdings, methodology for conducting radio rating, complaint redressal, sale and use of ratings, audit, disclosure, reporting requirements and penal provisions for rating agencies.

    This will be very similar to the existing policy guidelines for television rating agencies issued by MIB under which Barc operates.

    Trai suggested the ratings agency should have adequate and equal representation from the three associations concerned — Association of Radio Operators for India (AROI), Indian Society of Advertisers (ISA) and Advertising Agencies Association of India (AAAI).

    The salient features of the TRAI recommendations are as follows:

    (i)Guidelines for rating system to be notified by MIB.

    (ii)Any agency meeting eligibility conditions can apply and get registered with MIB for doing the rating work. No cap on number of rating agencies has been prescribed.

    (iii)All rating agencies, including industry led body are required to comply with the guidelines.

    (iv)Guidelines to cover registration, eligibility norms, cross-holding, methodology for conducting rating, complaint redressal, sale and use of ratings, audit, disclosure, reporting requirements and penal provisions.

    (v)Voluntary code of conduct by the industry for maintaining secrecy and privacy of the listeners included in the rating process.

    (vi)Restrictions on ‘substantial equity holding of 10% or more’ between rating agencies and broadcasters/advertisers/advertising agencies have been prescribed.

    (vii)The rating agency to set up an effective complaint redressal system.

    (viii)Data/reports generated by the rating agency to be made available to all interested stakeholders in a transparent and equitable manner.

    (ix)The rating agency to get its entire methodology/processes audited internally on quarterly basis and through an independent auditor annually. All audit reports to be put on the website of the rating agency.

    (x)Penal provisions for non-compliance of guidelines.

    Since All India Radio (AIR) has a large geographical and population coverage and is not a member of AROI, representation of AIR should be ensured in the technical committee formed within the industry led body for guiding and supervising various radio rating processes.

    Trai said in its report that once guidelines are issued and implemented by MIB, these will be made applicable to all the rating agencies including the industry-led body.

    An independent rating agency, carrying out the rating process, can also outsource the field work, data collection and processing to third parties. The guidelines will not be applicable to the entities which have been contracted to carry out the field work, data collection and processing.

    At present, radio audience measurement in India is conducted by AIR and TAM Media Research.

    The full TRAI recommendation can be obtained at http://www.trai.gov.in/WriteReadData/WhatsNew/Documents/Recommendations_15_September_2016.pdf

  • Trai proposes radio audience measurement on lines of Barc

    Trai proposes radio audience measurement on lines of Barc

    NEW DELHI: The Telecom Regulatory Authority of India (Trai) has come out with a set of recommendations on radio audience measurement (Ram) in India setting limits on ownership of stakeholders in the ratings agency, but there is no limit on the number of such agencies.

    In a preface, the regulator said there is a need to prescribe “a soft touch, conducive, forward looking, growth oriented framework” for Ram, which protects the interests of all stakeholders.

    The guidelines for rating agencies will be notified by the Ministry of Information and Broadcasting (MIB) based on the recommendations of Trai and there will be no ceiling on the number of rating agencies.

    Trai has a recommendatory role on such issues as final decisions rest with nodal ministries like MIB, Department of Telecoms (DoT) and Department of Space (DoS). In the past, many recommendations of the regulator had not been implemented at all or done so partially by the Ministry concerned.

    The Ram proposed guidelines mandatorily cover registration, eligibility norms, cross-holdings, methodology for conducting radio rating, complaint redressal, sale and use of ratings, audit, disclosure, reporting requirements and penal provisions for rating agencies.

    This will be very similar to the existing policy guidelines for television rating agencies issued by MIB under which Barc operates.

    Trai suggested the ratings agency should have adequate and equal representation from the three associations concerned — Association of Radio Operators for India (AROI), Indian Society of Advertisers (ISA) and Advertising Agencies Association of India (AAAI).

    The salient features of the TRAI recommendations are as follows:

    (i)Guidelines for rating system to be notified by MIB.

    (ii)Any agency meeting eligibility conditions can apply and get registered with MIB for doing the rating work. No cap on number of rating agencies has been prescribed.

    (iii)All rating agencies, including industry led body are required to comply with the guidelines.

    (iv)Guidelines to cover registration, eligibility norms, cross-holding, methodology for conducting rating, complaint redressal, sale and use of ratings, audit, disclosure, reporting requirements and penal provisions.

    (v)Voluntary code of conduct by the industry for maintaining secrecy and privacy of the listeners included in the rating process.

    (vi)Restrictions on ‘substantial equity holding of 10% or more’ between rating agencies and broadcasters/advertisers/advertising agencies have been prescribed.

    (vii)The rating agency to set up an effective complaint redressal system.

    (viii)Data/reports generated by the rating agency to be made available to all interested stakeholders in a transparent and equitable manner.

    (ix)The rating agency to get its entire methodology/processes audited internally on quarterly basis and through an independent auditor annually. All audit reports to be put on the website of the rating agency.

    (x)Penal provisions for non-compliance of guidelines.

    Since All India Radio (AIR) has a large geographical and population coverage and is not a member of AROI, representation of AIR should be ensured in the technical committee formed within the industry led body for guiding and supervising various radio rating processes.

    Trai said in its report that once guidelines are issued and implemented by MIB, these will be made applicable to all the rating agencies including the industry-led body.

    An independent rating agency, carrying out the rating process, can also outsource the field work, data collection and processing to third parties. The guidelines will not be applicable to the entities which have been contracted to carry out the field work, data collection and processing.

    At present, radio audience measurement in India is conducted by AIR and TAM Media Research.

    The full TRAI recommendation can be obtained at http://www.trai.gov.in/WriteReadData/WhatsNew/Documents/Recommendations_15_September_2016.pdf

  • TRAI extends date on exercise on common mobile banking for all sectors

    TRAI extends date on exercise on common mobile banking for all sectors

    NEW DELHI: The Telecom Regulatory Authority of India has decided to receive comments on a Consultation paper on regulatory framework for the use of USSD for mobile financial services by 14 September 2016.

    In an extension notice to the paper issued early this month, it said counter-comments can be given by 28 September 2917. Stakeholders had been set of ten questions and the earlier dates were 31 August with counter-comments by 14 September 2016.

    With consumers gradually getting attuned to it and the growth of Mobile Apps and OTT requiring mobile banking, the Telecom Regulatory Authority of India has started an exercise to find the best way of making or receiving payments through the mobile.

    Keeping in view the success achieved by many countries in delivering financial servicesthrough mobile telephone, the Government of India, in November, 2009, constituted an Inter-Ministerial Group (IMG) to submit a report and recommendations on the framework fordelivery of basic financial services using mobile phones. The framework proposed in the IMGreport has been accepted as the basis for delivery of basic financial services using mobile technology by a Committee of Secretaries under the chairmanship of the Cabinet Secretary in April 2010. The IMG framework envisages opening of mobile linked ‘no- frills’accounts, which would be operated using mobile phones.

    In the IMG framework, TRAI was expected to provide the required regulatory framework governing the quality of service, provisioning and pricing of mobile services for delivery of basicfinancial

    Also see

    http://www.indiantelevision.com/regulators/trai/trai-begins-exercise-on-common-mobile-banking-for-all-sectors-160805

     

  • TRAI extends date on exercise on common mobile banking for all sectors

    TRAI extends date on exercise on common mobile banking for all sectors

    NEW DELHI: The Telecom Regulatory Authority of India has decided to receive comments on a Consultation paper on regulatory framework for the use of USSD for mobile financial services by 14 September 2016.

    In an extension notice to the paper issued early this month, it said counter-comments can be given by 28 September 2917. Stakeholders had been set of ten questions and the earlier dates were 31 August with counter-comments by 14 September 2016.

    With consumers gradually getting attuned to it and the growth of Mobile Apps and OTT requiring mobile banking, the Telecom Regulatory Authority of India has started an exercise to find the best way of making or receiving payments through the mobile.

    Keeping in view the success achieved by many countries in delivering financial servicesthrough mobile telephone, the Government of India, in November, 2009, constituted an Inter-Ministerial Group (IMG) to submit a report and recommendations on the framework fordelivery of basic financial services using mobile phones. The framework proposed in the IMGreport has been accepted as the basis for delivery of basic financial services using mobile technology by a Committee of Secretaries under the chairmanship of the Cabinet Secretary in April 2010. The IMG framework envisages opening of mobile linked ‘no- frills’accounts, which would be operated using mobile phones.

    In the IMG framework, TRAI was expected to provide the required regulatory framework governing the quality of service, provisioning and pricing of mobile services for delivery of basicfinancial

    Also see

    http://www.indiantelevision.com/regulators/trai/trai-begins-exercise-on-common-mobile-banking-for-all-sectors-160805